FCNCA Q4 adjusted EPS $51.27 vs $45.10 yoy; $900M share repurchases, $2.5B note prepaid

FIRST CITIZENS BANCSHARES INC /DE/

2025-FY EPS reported $165.24 revenue$9,541,000,000

Net income available to common $566M GAAP ($45.81 diluted EPS); adjusted net income $634M ($51.27 diluted EPS).
Returned $900M via share repurchases and prepaid $2.5B Purchase Money Note in Q4.
Total loans grew $3.2B QoQ to $147.9B, led by Global Fund Banking capital call lines ($31.8B).
Credit quality stable: nonaccrual loans 0.88% of total loans, net charge-off ratio 0.39% for Q4.
Announced BMO branch acquisition (138 branches, ~$5.7B deposits, $1.1B loans) expected to close 2H 2026.

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